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Capital One® Platinum Max

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• 16.9% fixed on purchases for 3 years
• Fixed rate won’t increase for 3 years no matter what
• $19 annual fee
• Exclusive savings: up to 40% on featured deals and 10% on everything else at Capital One Saving Zone on Yahoo! Shopping (learn more)

Think that those variable APR leads you further into financial trouble? Want to have the security of a fixed interest rate? Want to have all these comforts but your limited credit just won’t allow you? There is one solution out there for you, and it comes by the name of the Capital One® Platinum Max card.

The Capital One® Platinum Max is the ideal card for those customers that have limited credit history but would like the security and convenience of a fixed annual interest rate. This card is great for those whose credit rating needs some improvement, or those who do not have one at all. If you have past troubles with over-limits, delayed payments on loans or medical bills, or if you simply do not have a stable credit standing yet, consider getting this card. This should lead you the way to a healthier financial life because of its fixed rate.

As compared to other cards available for those with rather limited credit, this card provides one of the most reasonable interest rates. The fixed interest rate is set at 16.9% for the first three years. Whatever the circumstances, however the market behaves, the APR for all your purchases and balance transfers will remain for the first three years. This also means that even if you make late payments or exceed your credit limit for one reason or another, you will not be imposed with additional rates.

The credit limit set in a Capital One® Platinum Max card is anywhere from $300 to $2,500. Though this card charges you an annual fee, the fee is significantly lower than most other credit card companies charge. In fact, it is even lower than regular annual fees charged by Capital One. You only need to pay $19 monthly as opposed to the average fee of $35 to $40.

You will be charged with no ($0) transfer fee if you decide to transfer your balance from other cards. Miscellaneous fees apply for late payments and over-limits, though again, this will not affect your outstanding APR. Expect to pay about $39 for these offenses. Cash advance APR is set at 22.9% but you do not have to pay any cash advance fee on top of the interest rate.

Although this card does not come with a rewards program, you can also enjoy platinum benefits along with the fixed interest. First, you are provided maximum protection in case your card gets lost or stolen. They have a 24/7 customer service support, zero fraud liability in cases where there is unauthorized use of your card, along with an emergency card or cash replacement. Also, you are offered additional security as you can enjoy extended warranty for purchases you make through this card.

You can also be eligible to the usual Capital One card privileges which include exclusive savings of 10% to up to 40% on everything being sold online through the Capital One Saving Zone, which you can check out through Yahoo! Shopping.

So, if you have a limited credit history and would like to feel comfortable and secure knowing that your annual interest rate or APR will remain unchanged no matter what in the next three years, you will most likely benefit from what the Capital One® Platinum Max credit card has in store for its cardholders.